Ask the Mortgage Experts

Can we get a joint mortgage, but have only my name on the title deeds?

I am a first time buyer and am wanting to buy a property with my partner. We are looking for a joint mortgage but would want the house to be in my name only so his wife (who he is currently divorcing) cannot claim a share of it. Is it OK for a mortgage to be a joint one but the house to be in only one name? I do not earn enough to be able to get a mortgage on my own.

Michelle,

What you are looking at is known as "Joint application / Sole Propprietor", and there are only a couple of lenders in the market at this time who look at this type of case. So the answer is 'yes' it may be possible to do, but your choice of lender will be very restricted. There may be a couple of alternatives to look at for you as well.

Before we can really give you any further guidance, we'd need to know in more detail the rest of yours and your partners financial details. If you'd like to see what we can do to help you, then please let me know and I'll arrange a convenient time for you to talk to one of our consultants.

Answers provided in response to Ask the experts are based on the information provided and do not constitute advice under the Financial Services & Markets Act. They reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.

We recommend you seek professional advice with regard to any of these topics where appropriate.

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